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Trade Finance

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    What is Trade Finance?

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    Trade finance refers to instruments and products that allow importers and exporters to facilitate international trade and commerce. Trade finance is different than conventional business loans because these protect against global trade risks, including currency fluctuations, political issues, non-payment of customers, and other considerations.

    Trade finance involves several activities, but in its simplest form, it consists of an exporter requiring the importer to safeguard the transaction before paying the supplies shipment. To do this, the importer will naturally aim to reduce risk, so the bank provides a letter of credit to the exporter’s bank, assuring payment when documents are presented (e.g., bill of lading.) The exporter’s bank verifies documents about the import-export transaction, not the actual goods or services.

    Intellichoice understands that trading is a complex process that requires steady and reliable financing to ensure growth. Our financial brokers specialize in sourcing business cost-effective methods of increasing your cash flow and working capital. With us, you effectively manage your trade risk.

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    Trade Finance Options

    Here are a few financial instruments used in this type of financing:

    • Line of credit issued to both importers and exporters
    • Letters of credit that reduces the risk involved in overseas trading. The buyer’s bank essentially guarantees payment to the seller, which protects the seller. The buyer is also protected because the payment will only push through if the agreed-upon terms in the LC are honored.
    • Factoring that allows vendors to be paid based on their accounts receivables.
    • Insurance that ensures any nonpayment will not affect the exporter.

    Trade finance supports global business operations. Keep your export and import activities secure and in good faith by accessing trade finance from the top lenders in the country. We assure clients that legitimate, customized, and excellently-designed financing is always accessible for your business. Intellichoice is here to keep you in a healthy stride.

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    What are the Advantages of Trade Finance?

    Trade finance fills the gap often left between payments for imports and the actual receipt of funds through the stock sale. It can provide important cash flow when working capital is most required. The right trade finance package can make an enormous difference to the success or failure of your import and export business.

    Here are key advantages when you opt for trade finance:

    • Reduces risk. Trade finance helps reduce risks associated with global trade. Banks can guarantee collateral and proper documentation in case there won’t be an upfront payment process. Brokers can keep the transactions legal, secure, and efficient for both the importer and the exporter. You reduce the chances of refusing to pay or ship the goods.
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    • Improves business efficiency. Trade finance helps companies extend cash flow and lines of credit. Your business receives a cash payment based on accounts receivables in case of factoring. Brokers who can expertly assist importers and exporters can leverage shipment or trade of goods as collateral. Trade financing ensures fewer delays and bottlenecks in payments and shipments and allows companies to run their business more efficiently.
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    • Minimizes financial problems. Without trade finance, a company may lose key supplier relationships or fail to fulfill customer demands. Struggling with accessing cash flow could impact the company gravely. Invoice factoring and revolving credit instruments can not only speed up transactions, but these solutions also eliminate financial difficulties for trade companies.
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    • Increases revenue. Trade finance helps you land a sale with an overseas company which will otherwise not be possible if the business does not have enough to complete the orders. Whatever the industry your business is in, trade financing allows you to increase the business scope and, ultimately, get new business worldwide.
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    Why Partner with Intellichoice?

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    We understand that growing your business globally can be challenging and that’s why we are here to help manage your trade finance transactions and reduce your risk.

    Our team of loan specialists is dedicated to helping Australian businesses succeed in international trade. From foreign exchange risk management, trade guarantees, and import and export financing, we are here to optimize your working capital.

    Contact us and discuss with our brokers your trade finance options. Our experts offer a range of financing solutions and they can assist you in facilitating growth in foreign markets. With Intellichoice, you gain a timely resource to boost your working capital while maintaining a secure agreement with your business transactions overseas.

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